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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $115,788 | $72,071+60.7% | $68,368+69.4% | $137,256-15.6% |
| Participation rate | 20.0% | 76.2%-56.2pp | 73.8%-53.8pp | 80.0%-60.0pp |
| Annual return | 12.97% | 353.14%-340.2pp | 292.57%-279.6pp | 220.34%-207.4pp |
| Employer contribution / active EE | $2,260 | $2,788-19.0% | $2,649-14.7% | $4,156-45.6% |
| Participant deferral / active EE | $3,269 | $4,410-25.9% | $4,123-20.7% | $6,407-49.0% |
| Admin fee / account holder | $1,641 | $5,336-69.3% | $5,150-68.1% | $12,270-86.6% |